Immediately after the disaster
Your first impulse may be to begin making repairs and cleaning up debris, but there are steps you should take first.
Starting your claim
Most insurance companies have deadlines for reporting claims, so contact your agent or company as soon as possible.
Insurance companies often send response teams to disaster areas. Members of these teams can explain what damages are covered. They can also help you start the claims process and issue a check to begin the recovery process.
he claims process
After you report a loss, your insurance provider will send a claims adjuster to assess the damage. Your insurance company will have an adjuster estimate the damage to your property. The adjuster will document the loss with your insurer to determine your claim settlement amount.
Beware of fraud
Home repair fraud is common after a disaster. Aggressive contractors often come into disaster-struck regions looking to make quick money by taking advantage of victims. Do not be pressured into quickly signing a contract or paying up front. Never pay cash or write a check before services are complete.
While your state may not require contractors to be licensed, you should check references to ensure that you are using a reputable contractor. Your insurer may also have a list of suggested contractors. You should always get more than one bid on repair projects.
Top Three Things to Remember
- Document your losses. Make a list of damaged items. Take photos and videos of the items and save any damaged items for inspection by your adjuster, if possible.
- Make temporary repairs. If you have damage to the exterior of the home allowing the elements in, use tarps or boards to make temporary repairs and prevent further damage.
- Beware of fraud. Don’t be pressured into signing documents you don’t understand, and don’t pay for work upfront or in full until you are satisfied with the repairs.